30 years at the core of banking payment infrastructures — ISO 20022, SWIFT, SEPA, ESMIG. European financial institutions and global corporate groups.
From ISO 20022 standard-setting at ING to deployments at EIB and BGL BNP Paribas, each engagement has sharpened a rare expertise at the intersection of business and technology.
Full lifecycle expertise across payment projects — from standard to code, from scoping to production.
On 27 August 2026, Swift postponed the retirement of unstructured addresses in CBPR+ messages: they will be tolerated until at least November 2027, and the EPC followed suit for the SEPA schemes. The revised timeline is due by the end of 2026. The target itself has not moved — and nearly half of banks were not ready.
Singapore, September 2017. Biotos was selected among the top 5 global fintechs chosen by SWIFT to co-create, with 30 gpi banks, innovative overlay services on the SWIFT gpi tracker — the platform that would redefine cross-border payments.
Born from 30 years of hands-on experience in payment engines, PAYLEM is a complete, operational ISO 20022 simulation platform — six schemes, double-entry accounting, real-time monitoring. Both a technical showcase and a banking training environment.
Inside a bank, a payment crosses a dozen layers: channels, order management, COBOL and Java engines, MQ/Camel middleware, API gateway, CSMs. VIGIA supervises the whole chain — its AI cross-references logs, JIRA tickets, source code and ISO 20022 standards to explain an incident in minutes rather than hours.
ESMIG:9443 endpoint.PAY-3744.Available for consulting engagements, technical expertise, or a PAYLEM or VIGIA demonstration in your environment.